01Spashtata
स्पष्टता
“From knowing yourself”
A clear financial check covering income, debt, gaps and goals, plus a coupon-savings pilot that makes the first saving visible.
ClarityFor every team member, and everyone waiting at home
- 4
- DirectionsTowards Financial Upliftment
- 1
- Conversationto begin
Why CFR ?
Upliftment is the need of the hour — for the whole organisation, not one segment of it
Each direction answers it one by one and lays the foundation for the next one.
The questions people carry home..
“Where does my salary go every month?”
“What if something happens to me?”
“Will my children have it better than me?”
“Does my family even know what we have?”
Four Directions
02Suraksha
सुरक्षा
“To securing”
Mediclaim, PMJJBY and term cover explained. The shield that was always there but never understood.
Protection03Samriddhi
समृद्धि
“To building tomorrow”
NPS onboarding, an emergency fund and goal-based savings — building retirement savings and a habit that continues beyond the pilot.
Growth04Sangam
संगम
“To extending care”
The family financial security checklist & know-how — spouse, children, parents, brought into the room.
TogetherThe numbers say it can't wait.
- 01 · Preparedness
7 in 10 people aren't financially prepared for emergencies.
- 02 · Stress
66% of employees carry financial stress into workdays.
- 03 · Protection
75% say their health cover is insufficient.
- 04 · Future
70% worry about retirement & children's education.
- 05 · Retirement
55% expect ₹1L+ retirement income, only 11% are prepared.
- 06 · Readiness
89% have bank accounts, yet 69% remain financially unprepared.
- 07 · Retention
67% would leave jobs for higher pay.
- 08 · Priority
46% of organisations prioritise employee financial wellbeing.
- 09 · Affordability
Middle-class households spend 8% on electricity vs 0.2–2.5% for richer households.
- 10 · Workforce
By 2030, 70% of India's 90M new jobs will be blue-collar.
The family security checklist
Where every family ends up.
By the end of Sangam, every family has worked through this list together. How many can yours tick today?
0of 8 done
Tap an item to tick it off.What will happen?
In June
School fees are due, and this time the money is already set aside.
On a tough day
A claim goes through without a struggle, because the nominee was updated in time.
On a Sunday
Dinner becomes the family’s first money plan, made together.
Made for everyone in the story !
Team members
Clear answers in their own language, on their own shift. No jargon, and no one selling them anything.
Families
Spouses and parents are welcomed, so nobody is left guessing on the day it matters most.
Organisations
A calmer, more secure workforce, and a clear view of the difference made, quarter after quarter.
Every journey starts with knowing which way to go !
In their languageOn their shiftWith their family
Bring CFR to your workplace. It begins with a single conversation.